Federal credit union · Radcliff, Kentucky · NCUA charter #7000
ABOUND
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $2.62B
- Total assets
- 117,743
- Members
- 15.8%
- Net-worth ratio
ABOUND scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.62B; members 117,743; net-worth ratio 15.79%; health rank #463 of 4,374; healthier than 87th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#463 of 4,374 health · 2025Q4ABOUND · health 94/100 · $2.62B · 2025Q4
- DELQ 94/100
- ROA 15.8%
- ASSETS 0.65%
- MEM 1.21%
- RANK $2.62B
- PHOTO 117,743
- BOOK #463/4,374
- CHARTER Credit Union of Colorado, a
- NCUSIF 7000
Call Report peers
ABOUND in the assets neighbourhood
ABOUND's $2.62B assets sit next to Credit Union of Colorado, a ($2.63B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ABOUND vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
ABOUND - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #7000: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
ABOUND vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +5.93 pp (89.83% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Kentucky standing for ABOUND
- Kentucky health ordinal: #7 of 54.
- By total assets, ABOUND is #2 of 54 in Kentucky.
- Membership ranks #3 of 54 among Kentucky CUs with a reported count (117,743 members).
In-state ordinals use the live credit_unions table for KY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How ABOUND's 5300 filing moved
ABOUND: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $2.62B (2025Q4) to $2.72B (2026Q1).
- Net-worth ratio shifted -0.35 pp (16.14% → 15.79%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 15.79%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.5 pts
- Return on Assets 15.0 pts
- Member Growth 10.2 pts
- Loan-to-Share Ratio 15.3 pts
ABOUND vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.79% | +4.61 pp |
| Delinquency Rate | 0.65% | -0.22 pp |
| Return on Assets | 1.21% | +0.70 pp |
| Member Growth | 1.00% | - |
| Loan-to-Share Ratio | 89.83% | +5.93 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
ABOUND filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.72B | - |
| 2025Q4 | $2.62B | 117,743 |
| 2024Q4 | $2.40B | 116,581 |
| 2023Q4 | $2.26B | 134,931 |
Credit Union Details
- Charter Number
- 7000
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Kentucky
- City
- Radcliff
- Data Quarter
- 2025Q4
Branch Locations (20)
ABOUND operates 20 offices across 13 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 313 Branch (Main Office) | Radcliff, KY |
| Bardstown Branch | Bardstown, KY |
| Bardstown Walmart Branch | Bardstown, KY |
| Bowling Green | Bowling Green, KY |
| Nashville Rd | Bowling Green, KY |
| Brandenburg Branch | Brandenburg, KY |
| Campbellsville Branch | Campbellsville, KY |
| Danville Branch | Danville, KY |
| Dixie Branch | Elizabethtown, KY |
| Ring Road Branch | Elizabethtown, KY |
| Pershing Branch | Fort Knox, KY |
| Pershing Branch | Fort Knox, KY |
| Glasgow Branch | Glasgow, KY |
| Hodgenville | Hodgenville, KY |
| Leitchfield | Leitchfield, KY |
| Valley Station | Louisville, KY |
| Jeffersontown | Louisville, KY |
| Radcliff Branch | Radcliff, KY |
| 313 Branch | Radcliff, KY |
| Shepherdsville | Shepherdsville, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
A look at other Kentucky credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for ABOUND
Cross-state asset and health neighbours for ABOUND - kept outside Kentucky; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.62B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- ABOUND ranks #463 of 4,374 nationally on financial health and #7 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- COMMONWEALTH is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with COMMONWEALTH
- Rates and health both vary by institution, not just by state -- see how Kentucky credit unions compare overall before assuming this one is typical. Kentucky state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ABOUND financially healthy?
Yes/no aside, the number is 94/100 (Excellent) - ABOUND's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #463 of 4,374; by total assets it ranks #198 of 4,374 nationally (same basis as /rankings/largest); and #2 of 54 within Kentucky. Above 80 reads excellent, below 50 warrants closer monitoring; a 15.79% net worth ratio and 0.65% delinquency rate are the key drivers.
How does ABOUND compare to other credit unions?
On PlainCU's health composite, ABOUND lands at 94/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join ABOUND?
ABOUND operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact ABOUND directly for the exact boundaries and application steps.
Is my money safe at ABOUND?
Federal credit unions like ABOUND are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ABOUND's net worth ratio of 15.79% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ABOUND offer compared to banks?
Credit unions like ABOUND are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact ABOUND directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.